Financing a Second Home in Portugal: A Guide for EU Buyers

It’s no secret that Portugal is now a top destination for Europeans buying a second home — whether it's for holidays, rental income, or future relocation. Financing part of your purchase can help preserve capital or boost ROI.

1. Who Can Apply?

• EU citizens with stable employment or business income
• Non-residents who can document income and assets

2. Deposit & Loan Terms

• 20% minimum deposit required
• Up to 40-year loan terms (Bank and age-dependent)

3. Accepted Documentation

• Recent payslips and bank statements
• Tax filings
• Proof of property use (e.g. second home vs. investment)

4. Why Use a Broker? 

We compare offers across Portuguese banks and handle the admin from start to finish. These services are free of charge in Portugal and we will always have your best interests in mind.

Schedule a call with us: 🏡 https://forms.gle/2rZXEReDf1162zRm8